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Ramalingam Kalirajan |7363 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 12, 2024

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more

Asked by Anonymous - Apr 12, 2024Hindi

Money

I am 67 years old i have invested sbi small cap 1000,sbi magnum mid cap 5000, sbi foccused equity 1000, sbi multi cap 1000, sbi nifty index 1000, sbi balence advantage lumpsump 15 lakh.

Ans: Your investment portfolio seems to have a mix of equity and balanced funds, indicating a moderate to aggressive risk profile. SBI Small Cap, Magnum Mid Cap, Focused Equity, and Multi Cap funds provide exposure to different segments of the equity market, potentially offering growth opportunities but also subject to market volatility. SBI Nifty Index provides exposure to the broader market while the SBI Balanced Advantage Fund may offer a balanced approach with dynamic asset allocation. Considering your age, it's advisable to ensure your portfolio aligns with your risk tolerance and financial goals, and periodically review to rebalance if necessary.

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.

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MF Expert, Financial Planner - Answered on Jun 13, 2023

Question by saii - Jun 11, 2023Hindi

Money

My age is 26 years my investments are1) pgim mid cap fund 2) canara robeco large cap 3)axis small cap 4)nippon india small 5)icici pedintisl commodities

Ans: You have not provided the investment amount in all these funds. But in general, the fund selection seems to be tilted more towards mid and smallcaps. This kind of allocation is suitable only for those who have required risk profile and can identify as aggressive investors. For largecap exposure, one can even opt for passive largecap funds though active funds are still fine for mid and small-cap exposure.

Note (Disclaimer) - As a SEBI RIA, I cannot comment on specific schemes/funds that are provided or asked for in the questions in the platform. And the views expressed above should not be considered professional investment advice or advertisement or otherwise. No specific product/service recommendations have been made and the answers here are for general educational purposes only. The readers are requested to take into consideration all the risk factors including their financial condition, suitability to risk-return profile and the like and take professional investment advice before investing.

Ramalingam Kalirajan |7363 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 23, 2024

Asked by Anonymous - Apr 19, 2024Hindi

Money

I am 52 and currently investing in SBI small cap 5k, quant less 3k, Aditya Birla multi cap 5 k, whiteoak flexi cap 2 k, Motilal value index 2k, aditya birla psu fund 3,k

Ans: At 52, your investment approach appears diversified, covering small-cap, multi-cap, flexi-cap, index, and PSU sectors. This diversification is beneficial as it spreads risk across different market segments. However, given your age, it may be prudent to reassess the risk level of your portfolio. Consider gradually shifting towards more conservative investment options to safeguard your capital. Regular reviews with a financial advisor can help ensure your investments align with your retirement goals and risk tolerance as you approach retirement age.

Ramalingam Kalirajan |7363 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jul 17, 2024

Question by Mansoor - Jul 12, 2024Hindi

Money

I am 35 years old I have invested lumpsum amount of 1 lac in quant small cap mf and 1 lac in aditiya birla psu and 1 lac in quant multi asset fund

Ans: You have invested Rs 1 lakh each in:

Quant Small Cap Mutual Fund
Aditya Birla PSU Mutual Fund
Quant Multi Asset Fund
Let’s evaluate your current portfolio and provide suggestions for future investments.

Portfolio Evaluation
Quant Small Cap Mutual Fund
Growth Potential: High growth potential due to investment in small companies.
Risk: High risk due to volatility in small cap stocks.
Recommendation: Suitable for long-term goals if you can tolerate high risk.
Aditya Birla PSU Mutual Fund
Stability: Invests in Public Sector Undertakings, providing stability.
Returns: Moderate returns due to limited growth in PSU stocks.
Recommendation: Good for stability and steady income.
Quant Multi Asset Fund
Diversification: Invests in a mix of asset classes (equity, debt, gold).
Risk: Lower risk due to diversification.
Returns: Balanced returns with moderate risk.
Recommendation: Suitable for reducing overall portfolio risk.
Future Investment Strategy
Systematic Investment Plan (SIP)
Regular Investment: Start a SIP in equity mutual funds for disciplined investing.
Growth Potential: Equity funds can provide higher returns over the long term.
Types of Equity Mutual Funds
Large Cap Funds
Stability: Invest in large, well-established companies.
Risk: Lower risk compared to small and mid cap funds.
Returns: Steady returns with moderate growth.
Mid Cap Funds
Growth Potential: Invest in medium-sized companies with higher growth potential.
Risk: Moderate risk with higher returns compared to large cap funds.
Flexi Cap Funds
Flexibility: Invest across large, mid, and small cap companies.
Diversification: Offers diversification and balanced risk.
Disadvantages of Direct Funds
Lack of Expertise
Management: Direct funds require active monitoring and management.
Guidance: A Certified Financial Planner provides professional advice and management.
Complexity
Knowledge: Managing direct funds requires extensive knowledge and research.
Convenience: Regular funds through a CFP simplify the investment process.
Tax Efficiency
Long-Term Capital Gains Tax
Equity Funds: Taxed at 10% on gains above Rs 1 lakh after one year.
Planning: Plan your investments to optimize tax efficiency.
Diversification and Risk Management
Balanced Portfolio
Diversification: Spread investments across different asset classes.
Risk Management: Reduces overall portfolio risk and enhances stability.
Emergency Fund
Liquidity: Maintain an emergency fund for unexpected expenses.
Security: Provides financial security and peace of mind.
Regular Review and Adjustment
Monitoring: Review your investment portfolio regularly.
Adjustment: Make necessary adjustments based on performance and market conditions.
Final Insights
Your current investments are well-diversified across different asset classes and sectors. To enhance your portfolio, consider starting a SIP in equity mutual funds, focusing on large, mid, and flexi cap funds for balanced growth and risk. Regularly review and adjust your portfolio with the help of a Certified Financial Planner to achieve your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ramalingam Kalirajan |7363 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jul 30, 2024

Asked by Anonymous - Jul 18, 2024Hindi

Money

I'm 29 investing 10k in hdfc midcap, 5k in mirae asset large and midcap, 5k in sbi contra fund,2k in icici prudential small cap,2 k in icici prudential retirement fund,2k in aditya birla euity fund,5k in sbi magnum midcap

Ans: You are already investing Rs. 31,000 monthly in various mutual funds. Your portfolio includes mid-cap, large-cap, small-cap, contra, and retirement funds. This diversified approach is commendable.

Current Allocation
Rs. 10,000 in HDFC Midcap
Rs. 5,000 in Mirae Asset Large and Midcap
Rs. 5,000 in SBI Contra Fund
Rs. 2,000 in ICICI Prudential Small Cap
Rs. 2,000 in ICICI Prudential Retirement Fund
Rs. 2,000 in Aditya Birla Equity Fund
Rs. 5,000 in SBI Magnum Midcap
Portfolio Assessment
Diversification
Your portfolio is well-diversified across various fund categories. This reduces risk and captures growth across sectors.

Midcap Focus
You have a significant investment in mid-cap funds. Mid-cap funds offer high growth potential but can be volatile. Ensure you are comfortable with this risk level.

Small Cap and Contra Funds
Small-cap and contra funds add diversity. They can provide high returns, but with increased risk. Monitor these funds closely.

Retirement Fund
Investing in a retirement fund is wise. It ensures long-term wealth creation for your future.

Insight on Direct Funds
Disadvantages of Direct Funds
Direct funds may seem cost-effective due to lower expense ratios. However, they lack professional guidance. Certified Financial Planners (CFPs) provide valuable insights, helping you make informed decisions. Regular funds with CFP advice can optimize your investment strategy.

Benefits of Regular Funds
Professional advice ensures better fund selection.
CFPs monitor and rebalance your portfolio.
They offer personalized financial planning.
Regular funds provide peace of mind and expert management.
Suggestions for Improvement
Review Midcap Exposure
Consider balancing your portfolio by reducing mid-cap exposure. Diversify into large-cap and multi-cap funds for stability.

Increase SIP in Large-Cap Funds
Large-cap funds offer stability and steady returns. Increasing SIP in these funds can enhance your portfolio's resilience.

Monitor and Rebalance
Regularly monitor and rebalance your portfolio. This ensures alignment with your financial goals and risk tolerance.

Benefits of Actively Managed Funds
Actively managed funds outperform index funds. Fund managers actively select stocks, aiming for higher returns. These funds can adapt to market changes, offering better performance.

Disadvantages of Index Funds
Index funds replicate market indices, offering average returns.
They lack flexibility in changing market conditions.
Actively managed funds provide opportunities for higher gains.
Additional Recommendations
Emergency Fund
Ensure you have an adequate emergency fund. It should cover 6-12 months of expenses. This provides financial security during unforeseen events.

Health and Term Insurance
Review your health and term insurance coverage. Adequate insurance protects your family and ensures peace of mind.

Long-Term Goals
Align your investments with long-term goals. Define specific financial targets and create a roadmap to achieve them.

Final Insights
Your current investment strategy is commendable. It reflects a balanced and diversified approach. Regular monitoring and rebalancing are key to maintaining a healthy portfolio. Consider seeking advice from a Certified Financial Planner to optimize your investments. This ensures you are on track to achieve your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Latest Questions

Dr Nagarajan Jsk |186 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Dec 27, 2024

Question by Naushad - Dec 20, 2024Hindi

Career

I have completed my graduation in B Pharmacy but have not got my degree yet? Can I go for registration process without having degree with just marksheet's.?

Ans: Hi Naushad,

In response to your query, you should have received your all the year mark sheets (including final year). Please note that obtaining your degree certificate can be a time-consuming process. Therefore, I recommend that you apply for a provisional certificate from your university first. Once you have the provisional certificate, you can proceed to apply for your pharmacist registration by logging into the state PCI (Pharmacy Council of India) portal.

Here is a list of the required documents for B.Pharm registration:

1) Transfer Certificate
2) SSLC (Secondary School Leaving Certificate) and HSC (Higher Secondary Certificate) mark sheets
3) Course cum Conduct Certificate
4) B.Pharm Provisional Certificate or Degree Certificate
5) Mark sheets for all four years of B.Pharm

Please note: Registration is determined by the location of the institution where you completed your course, not by your hometown or native place. If both your institution and your hometown are in the same state, there should be no issues. However, if your institution is located in a different state from your hometown, you will need to process your application through the state PCI where your institution is situated.
All the best.
Feel free to reach out if you have any further questions.

Dr Shakeeb Ahmed Khan |132 Answers |Ask -Follow

Physiotherapist - Answered on Dec 27, 2024

Question by Sumukh - Dec 17, 2024Hindi

Health

Are Ankle exercises too good to reduce Blood Sugar level?

Ans: Hello Sumukh,

Unfortunately, no. Ankle exercises alone will not be sufficient. They should be part of a comprehensive fitness plan that includes aerobic exercises, resistance training, and flexibility exercises, along with a balanced diet and medical supervision if necessary. A calorie deficit, combined with these types of exercises, will help regulate blood sugar levels effectively.

Dr Shakeeb Ahmed Khan |132 Answers |Ask -Follow

Physiotherapist - Answered on Dec 27, 2024

Question by Ganesh - Nov 26, 2024Hindi

Health

Knee Replacement- My doctor has advised me total knee replacement in right knee after examining X ray, as I am suffering from pain in right knee for last 12 months. Whether I have any options to avoid it or better to do to live pain free life after operation. I am worried about side effects, if any. Thanks Ganesh Surana

Ans: Dear Mr. Surana,
Thank you for your query. If your doctor has recommended a total knee replacement, it is likely based on the severity of your condition as indicated by the X-ray and your ongoing pain. However, you may still explore conservative options before deciding on surgery. I suggest consulting a physiotherapist for a comprehensive rehabilitation program. Physiotherapy can help strengthen the muscles around the knee, improve joint stability, and potentially reduce pain.
That said, your age and weight also play an important role in determining the best course of action. If you are overweight, weight management can significantly reduce stress on the knee joint and alleviate symptoms. Lifestyle changes, such as a tailored exercise regimen and a healthy diet, can also be beneficial.

If conservative measures don’t provide sufficient relief, total knee replacement may be the best option for living a pain-free life. It’s natural to be concerned about side effects, but modern surgical techniques and post-operative care have made the procedure highly effective and safe. Discuss all your concerns with your doctor and physiotherapist to make an informed decision.
Wishing you the best,

Dr Shakeeb Ahmed Khan |132 Answers |Ask -Follow

Physiotherapist - Answered on Dec 27, 2024

Question by Shenaa - Sep 10, 2024Hindi

Health

I am 30 years my hb1ac is 6.4 is maintaining diet and walking 5 kms enough to reverse it

Ans: Hello Shenaa,

Following a proper diet and walking 5 km daily is a positive start, but it alone may not be enough to reverse the condition. To effectively manage and potentially improve it, focus on creating a calorie deficit, following a low-carbohydrate diet, and incorporating regular exercise. Along with walking, adding resistance training can enhance metabolic health and yield better results.

It’s also essential to seek guidance from a physiotherapist to develop a safe and effective exercise plan and consult a nutritionist for a tailored diet strategy. A combination of these efforts will help you achieve your goals more efficiently.

Dr Shakeeb Ahmed Khan |132 Answers |Ask -Follow

Physiotherapist - Answered on Dec 27, 2024

Question by Nadakuduru - Oct 14, 2024Hindi

Health

I AM HAVING UMBLICAL HERNEA PROBLEM.DOCOTR SUGGESTED ME TO BRING DOWN MY WEIGHT AND REDUCE FATTY BELLY BEFORE SURGERY.HE SUGGESTED ME TO WAIT FOR SURGERY TILL MY WEIGHT COMES DOWN FROM 92 KGS TO A REASONABLE LEVEL.PLEASE SUGGST ME WHAT EXERCISES i CAN DO TO ELIMINATE THE FAR BELLY WITHOUT DETERIORATING MY UMBLICAL HERNEA PROBLEM.PLEASE SUGGEST ME EXERCISES TO BRING DOWN MY BELLY. THANKS AND REGARDS. NVRSRINIVAS

Ans: Dear Mr. Srinivas,

Thank you for your query. Weight reduction is a gradual process that requires consistent effort and a balanced approach. It is advisable to consult a physiotherapist and a nutritionist to guide you through this journey. Focus on a high-protein, low-carbohydrate diet to support weight loss while maintaining muscle mass. Ensure your meals are nutritious and create a calorie deficit.

For exercise, start with low-impact aerobic activities such as walking, cycling, or swimming, as these can burn calories without putting pressure on your hernia. Incorporate gentle core-strengthening exercises like pelvic tilts and side planks to build core stability without straining the affected area. If suitable, include short bursts of high-intensity workouts or moderate-intensity, long-duration activities such as brisk walking or light jogging to enhance endurance and fat loss. Additionally, light resistance training can help maintain muscle mass, but avoid exercises that strain your abdominal muscles or involve heavy lifting.

Always consult a physiotherapist before starting any exercise program to ensure it is safe and appropriate for your condition. Wishing you success in your weight loss journey and a smooth recovery.

Dr Shakeeb Ahmed Khan |132 Answers |Ask -Follow

Physiotherapist - Answered on Dec 27, 2024

Question by prashant - Dec 20, 2024Hindi

Health

Dear Sir, recently i diagnosis with Mild degenerative changes in lumbar spine- a) Loss of normal lumbar lordosis seen b) Multilevel intervertabral disc space reduction noted. c) Small anterior osteophyte noted in the lower lumber spine. My job is if sitting in office . I going through pain and stiffness in back and tingling sensation in left leg . I have started physiotherapy and doing exercise , but after taking 2-3 siting of physio session pain reduce and after 4-5 days the pain again started . Kindly suggest is physiotherapy session require longer and regularly or shall i do in intervals thats what i am doing now and with doing exercise this can be fix .your suggestion will be valuable for me.

Ans: Hello Mr. Prashant,

Thank you for your query. Physiotherapy is generally recommended for 12-15 consecutive days to achieve lasting relief. After completing the sessions, it is important to continue regular exercises, including core strengthening, back strengthening, back extension, and aerobic activities. Additionally, avoid prolonged sitting without breaks. This approach can help alleviate your symptoms and effectively manage your condition over time. Wishing you a speedy recovery.

Ramalingam Kalirajan |7363 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Dec 27, 2024

Asked by Anonymous - Oct 22, 2024Hindi

Money

I have lost money around 8 lakhs in gambling now i want to restart my life fresh i need to settle my debts and loan with bank and NBFCs is it possible to settle money at 70 percent waived off

Ans: Restarting your life after financial setbacks is possible with a disciplined approach. Settling your debts with banks and NBFCs requires a strategic plan, negotiation, and commitment. Here's a 360-degree approach to help you resolve your situation:

Assess Your Current Financial Position
List All Debts: Create a detailed list of all outstanding loans and debts, including principal, interest, and penalties.

Identify Income Sources: Calculate your monthly income and any other sources of funds.

Evaluate Essential Expenses: Identify non-negotiable expenses such as rent, food, utilities, and transport.

Determine Negotiable Debts: Focus on debts with higher interest rates or legal implications.

Negotiating with Lenders
Possibility of Settling at 70% Waiver
Banks and NBFCs Are Open to Negotiation: They prefer recovering some amount rather than declaring a loan as non-performing.

Settlement Terms Vary: Each lender may have unique policies. Some might agree to 70% waiver, but others may not.

Present Your Case Transparently: Show proof of your financial hardship. Explain your inability to pay in full.

Request a One-Time Settlement (OTS): Offer to pay a lump sum of the waived-off amount to close the debt.

Steps to Negotiate Effectively
Reach Out to the Right Department: Contact the collections or recovery department of your lender.

Seek Professional Help: A certified financial planner or debt resolution expert can negotiate on your behalf.

Prepare a Settlement Plan: Propose a realistic amount you can pay. Mention the sources for this payment.

Ask for Written Confirmation: Ensure the lender provides a formal agreement on the waived-off amount.

Negotiate for Reduced Interest and Penalties: Request removal of penalties and reduction of interest rates.

Managing Your Financial Obligations
Repayment Strategy
Prioritise High-Interest Loans: Focus on clearing loans with higher interest rates first.

Consolidate Debts: Consider consolidating multiple loans into one with a lower interest rate.

Use Liquid Assets Wisely: If you have savings or assets, use them to reduce your debt burden.

Building a Fresh Financial Foundation
Avoid Gambling and High-Risk Activities
Adopt Healthy Habits: Seek professional help if gambling is an addiction. Join support groups like Gamblers Anonymous.

Focus on Financial Literacy: Learn to manage your money effectively through courses or books.

Create a Budget and Emergency Fund
Track Income and Expenses: Use apps or spreadsheets to monitor your financial activity.

Save for Emergencies: Set aside 3–6 months of expenses as a safety net.

Restart Investments Gradually
Start with SIPs: Begin investing small amounts in mutual funds. Avoid direct stock trading initially.

Build a Retirement Corpus: Plan for long-term financial security systematically.

Final Insights
Rebuilding your life after a financial setback takes effort but is achievable. Focus on negotiating your debts transparently and settling them systematically. Learn from past mistakes and adopt disciplined financial habits. Restart your journey with renewed confidence and a commitment to avoid risky behaviours. Seek professional guidance when needed to make informed decisions.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Milind Vadjikar |806 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Dec 27, 2024

Asked by Anonymous - Dec 01, 2024Hindi

Money

In my online PF membership login through UAN, I am not able to mark my exit in the “Mark Exit” section as “no employment records found” remark is coming in this section. However, my Service History as well as all other details are correctly & completely updated. I left employment around 3 years ago. Unless I mark exit, I can’t make a PF claim. My query is whether this is a PF backend issue which needs to be raised directly to EPFO. I had informed my ex-employer as well, but they haven’t provided me any revert to this issue to date. Can my ex-employer also mark my exit directly on my behalf? Please suggest a suitable course of action, which I should press forward so that my mark exit can be completed.

Ans: Hello;

Yes your last employer can do it in the EPFO records.

Best wishes;

Milind Vadjikar |806 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Dec 27, 2024

Asked by Anonymous - Nov 28, 2024Hindi

Money

Sir, I am a 65 year old retired railway employee and a company wants to hire me but I do not want to get Provident Fund and pension cut, what is the provision for this?

Ans: Hello;

If you will be employed by them you can't avoid EPF cut.

Talk to your employer about possible other options.

EPS is not applicable now since it matures at 58 years of age.

Best wishes;

Milind Vadjikar |806 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Dec 27, 2024

Question by Sagar - Dec 02, 2024Hindi

Money

Dear Milind Sir, I am facing problem of bank account updation on EPFO portal. I am no longer working in India and my EPF contribution stopped since last 6.5 yrs. Recently I got my Surname spelling corrected through my employer and the corrected name as per my identity docs(Aadhaar) also matches with EPF UAN. While I tried to apply for withdrawal (post above correction), I got message of bank account not matching. So I have reapplied for my bank no updation through the portal request process. However, the request has been rejected on all occasions, saying “Name doesn’t match”, which is not true. I also send email on employeefeedback—epfindia.gov.in, but no reply. Also I tried to connect on X, which EPFO hasn’t responded. Do I need to approach the nearest city EPFO office in Nashik Maharashtra (my account was in Chennai). Kindly guide me for the process to update my bank account and complete my withdrawal process.

Ans: Hello;

I believe your name in the bank account is exactly same as that on Aadhar card and UAN.

If it is so try once again and if it fails lodge a complaint thru EPFiGMS portal.

Try their telephonic helpline.

If you don't get resolution, complain to Labour Ministry with cc to PMO through cpgrams portal.

There is no need to visit any EPF office if you have an active UAN and can log in to the EPF website.

Lastly legal recourse is also available to you.

Don't fall for any agents and corrupt personnel.

Best wishes;

See more questions »

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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